Ad Astra Recovery Services Inc
Consumer Complaints
There are over 1711 complaints on file for Ad Astra Recovery Services Inc. Dated between 2019-12-09 and 2013-08-01.
Complaints Page 18
2018-09-12
CO
Incorrect information on your report
Payday loan, title loan, or personal loan: Payday loan
Information belongs to someone else
Complaint: I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.
Company Response: Closed with explanation
2018-09-11
Sanders, KY
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.
Company Response: Closed with explanation
2018-09-11
El Paso, TX
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Payday loan
Complaint: Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices.
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Company Response: Closed with explanation
2018-09-10
Lubbock, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-09-09
Columbus, OH
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from Ad Adstra Recovery Services. Ad Adstra is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this XXXX acct. As result, Ad Adstra is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
Company Response: Closed with explanation
2018-09-07
Klein, TX
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-09-06
Desoto, TX
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: On XX/XX/2018, I sent Ad Astra Recovery Service a second letter regarding them verifying that a debt in the amount of {$330.00} belongs to me. They never validated the debt was mine according to the Fair Debt Collection Practices Act. The are falsely reporting this collection item on my XXXX and XXXX credit report. They only provided a print out of an itemized billing statement that does not have my signature on it. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification the debt belongs to me. They are falsifying information on my credit report, in which is illegal practices to me as a consumer. I asked this collection agency for the original contract I physically signed, that supposedly agree to the terms for the account and they never sent these records at all. I demanded proof or validation according to Fair Debt Collection Practice Act, and they never responded to me. This debt is unlawfully being reported on my credit report. I don't owe this debt and it should be deleted from my credit report.
Company Response: Closed with explanation
2018-09-06
Olmos Park, TX
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Payday loan
Company Response: Closed with explanation
2018-09-06
Suffolk, VA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-09-06
Church Point, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-08-31
Grand Junction, CO
Incorrect information on your report
Payday loan, title loan, or personal loan: Title loan
Account status incorrect
Company Response: Closed with explanation
2018-08-30
Chicago, IL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.
Company Response: Closed with explanation
2018-08-29
Houston, TX
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-29
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( AD ASTRA RECOVERY SERVICE ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation.
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
Company Response: Closed with explanation
2018-08-27
Lewisville, TX
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately
Company Response: Closed with explanation
2018-08-24
KS
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Complaint: XXXX XXXX opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are Ad Astra Recovery Service I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again.
This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
Company Response: Closed with explanation
2018-08-23
Oxford, GA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Complaint: AD ASTRA RECOVERY SERVICE is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
Company Response: Closed with explanation
2018-08-23
Dallas, TX
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES.
On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor.
2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt.
10 ) Any insurance claims been made by any creditor regarding this account.
11 ) Verification that this debt was assigned or sold to collector.
12 ) Complete accounting of alleged debt.
13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law.
On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ).
I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery.
Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ).
Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan.
Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID.
AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.
Company Response: Closed with explanation
2018-08-21
Moapa, NV
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: AD ASTRA RECOVERY SERVICES, INC was collecting money on the behalf of XXXX XXXX. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXXn credit report and this company AD ASTRA RECOVERY SERVICES , INC name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
Company Response: Closed with explanation
2018-08-20
Quartzsite, AZ
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: Ad Astra has repeatedly refused to give me an itemization of an alleged debt {$1100.00} and is reporting erroneous information to the Credit Bureaus.
In XXXX of XXXX, I saw a collection on my credit report from Ad Astra Recovery Services. It showed the original creditor was XXXX XXXX. I called XXXX XXXX to inquire about the collection. The XXXX XXXX representative stated that it was due to non-payment of my loan. I stated that the loan had been paid in full.
I then went to the XXXX XXXX store located XXXX XXXX XXXX XXXX. XXXX XXXX office where I made the pay-off payment and the manager on duty told me that she could not talk to me because my account was in collections with Ad Astra. I then went to the XXXX XXXX on XXXX XXXX XXXX XXXX where I initially set up the account and the manager gave me a printout statement of all the payments that had been made.
This is when I first noticed the conflicting dates and erroneous payments. I went back to the Northern address and asked them to review the footage from the night they were paid in full and I was told they can't access the footage, only if XXXX XXXX is requested by law enforcement. In XX/XX/XXXX I returned to XXXX XXXX located at XXXX XXXX XXXX again requesting a copy of my signed contract and a itemization of the alleged debt.
They stated that they could not give me any more details because the file had been transferred to Ad Astra. I asked if they had any documentation of my payments and the manager on duty XXXX XXXX, stated that all she had in her system was a receipt dated XX/XX/XXXX to XXXX XXXX and a receipt on XXXX to Ad Astra.
I stated that I have never paid Ad Astra or XXXX XXXX on the XXXX of XX/XX/XXXX or in XXXX of 2018 Ironically XX/XX/XXXX is when I paid off the loan in full. XXXX also printed down a dispute letter from Ad Astra that I never received which stated that I defaulted on the loan within a month from signing up for it.
On XX/XX/XXXX I contacted Ad Astra and told them that the loan had been paid in full at their XXXX XXXX XXXX XXXX location in XXXX of XXXX at XXXX am. The female Ad Astra representative stated that XXXX XXXX has no 24 hour locations and they don't have on record that I paid anything on the loan.
Ad Astra contradictory statements are as follows : 1. XXXX XXXX does in fact have 24 hour branches in the XXXX area verifiable on XXXX search.
2. I have bank statements proving XXXX XXXX withdrew regular payments from my account that conflict with XXXX XXXX payment statements.
3. I had no knowledge the alleged debt was sent to Ad Astra therefore I could not have paid Ad Astra, XXXX XXXX stated policy is not to discuss accounts turned over to collections.
Please note it is possible bank fraud for XXXX XXXX to have record of an alleged payment to Ad Astra which the XXXX XXXX branch store has already submitted to me.
I was transferred to an Ad Astra representative named XXXX. I asked about their communication with XXXX XXXX and I was told they do not call the branches directly. On the same XX/XX/XXXX phone call with XXXX I requested an itemization of the debt.
On XX/XX/XXXX I spoke with an Ad Astra Manager who told me she had no record that I requested an itemization from XXXX who she called XXXX. She then stated she submitted my request for an itemization of the alleged debt and it would be mailed on on XX/XX/XXXX and I should receive it in 7-14 business days.
I was not satisfied by Ad Astra handling of the matter thus far and on XX/XX/XXXX I also emailed Ad Astra President concerning this matter. As of XX/XX/XXXX I have received neither the requested itemization of the alleged debt or a response from the Ad Astra President.
On XX/XX/XXXX I spoke with an Ad Astra representative named XXXX who said they would fax me the itemization of the debt in 24-48 hours. Ad Astra did not send the fax of the requested documentation.
Ad Astra has failed to validate the alleged debt and is willfully reporting unverified information to the Credit Bureaus and is in violation Federal Fair Debt Collection Practices Act ( FDCPA ) and Arizona Consumer Protection Laws.
Company Response: Closed with explanation
2018-08-20
Lb, CA
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
Company Response: Closed with explanation
2018-08-17
Magnolia, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Complaint: Contacted the company 4 years ago when I was alerted of debt & disputed with debt collection of identity theft. Creditor agreed to remove account but debt is still on my credit. Company has no file of my account, due to new management over the past few years.
Company Response: Closed with explanation
2018-08-15
Clayton, MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Company Response: Closed with explanation
2018-08-15
Birmingham, AL
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: This is not my account with XXXX XXXX. I have tried and called the creditor several times and explained to them that this is not my account. If an account was open this had to be done by my ex husband. I want it removed ASAP
Company Response: Closed with explanation
2018-08-15
TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I sent a letter on XX/XX/18 and again on XX/XX/18 asking for Debt Validation as I don't know what this debt is for. As of today, XX/XX/XXXX, I have not received ANY documents stating that it is a valid debt.
Company Response: Closed with explanation